10205 SAINT FRANCIS TERRACE, PALMETTO, FL, 34221
Active122 days on marketListed Apr 6, 2026MLS #A4688993
About this home
10205 SAINT FRANCIS TERRACE
Welcome to your coastal retreat — where sun-kissed light, gentle breezes, and laid-back elegance await. Step inside this airy, coastal-inspired home and let your imagination set sail. From the moment you enter, you're greeted by a bright and open living space that flows effortlessly to a tranquil lanai, perfect for morning coffee or sunset lounging. Beyond the large sliding glass doors, enjoy a spacious backyard that backs up to serene conservation land — your own private slice of nature. The living room is filled with natural light, thanks to two generously sized windows, and offers the perfect backdrop for cozy coastal furnishings. The primary suite is a true seaside sanctuary, featuring a trio of bay windows that invite in soft light and offer views of the outdoors. A modern retractable ceiling fan with dual light settings adds both function and flair. The ensuite bath is spa-like, with a walk-in shower featuring a built-in seat, dual vanities with abundant counter space, and direct access to a walk-in closet with built-in shelving — and yes, there's attic access too. The dining room is bright and inviting, framed by a picture window that captures the beauty of the day. The kitchen is thoughtfully designed for both style and function, featuring stainless steel appliances, a double sink, ample lighting, and generous cabinet space — 15 upper cabinets, 12 lowers, and 6 drawers to be exact. A fixed window fills the space with natural light, making every meal prep a pleasure. The second bedroom offers comfort and versatility, with a walk-in closet, retractable ceiling fan, and pocket-door access to the second full bathroom, complete with a tub/shower combo and easy access from the hallway. Across the hall, you’ll find a spacious office — or creative space — with another fixed window and a ceiling fan to keep the ocean-inspired vibes going strong. Laundry is tucked away in a private room with ample shelving, and the two-car garage offers plenty of space and additional attic access. The community? It's your coastal clubhouse dream come true. The HOA includes landscaping, cable, and exclusive access to the Amenity Center — featuring a resort-style pool, lap pool, bubbling spa, fire pit, 24-hour fitness room, tennis courts, pickleball, corn hole, massage room, billiards, library, event space, and a calendar full of activities like dancing, bingo, and live shows. Don’t miss the opportunity to live the laid-back lifestyle you’ve been dreaming of — this coastal haven is calling your name.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,698
Sqft
0.13 ac
Lot size
2
Garage
2015
Year built
One
Levels
$241
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,366 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,366/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+3.4%
$/sqft vs Palmetto actives
$241 vs $209
Days on market
122 vs 56 typical
Where $241/sqft sits among the 400 Palmetto actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Artisan Lakes Esplanade
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
Artisan Lakes Esplanade — neighborhood snapshot
Population
1,934
Median age
55
Median income
$134,683
Median home value
$476,900
Avg household
2
Households w/ children
107
For the school run
Manatee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palmetto market
$359K → $350K
Palmetto median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
221 of 400
Palmetto actives have cut their price
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 10% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 10205 SAINT FRANCIS TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$385,000
4828 HEINMAN COVE · same community
2 bd · 2 ba · 1,700 sqft · $226/sqft · 151 DOM
Sold · Mar ’26$435,000
10124 SAINT FRANCIS TERRACE · same community
3 bd · 2 ba · 1,920 sqft · $227/sqft · 88 DOM
Sold · Oct ’25$520,000
10030 CRAFTSMAN PARK WAY · same community
2 bd · 2 ba · 1,925 sqft · $270/sqft · 178 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 10205 SAINT FRANCIS TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10205 SAINT FRANCIS TERRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
10205 SAINT FRANCIS TERRACE FAQs
What would the monthly payment be for 10205 SAINT FRANCIS TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,366/mo — principal and interest, the actual property-tax bill, the $520/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 10205 SAINT FRANCIS TERRACE?+
The association fee works out to $520 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10205 SAINT FRANCIS TERRACE?+
The most recent tax bill on record (2025) was $1,105. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 10205 SAINT FRANCIS TERRACE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palmetto?+
At $409,900, this home is listed about 4% above the Palmetto median of $394,999. The market section on this page shows how the area is trending.
Which schools are assigned to 10205 SAINT FRANCIS TERRACE?+
Buffalo Creek Middle School (middle), James Tillman Elementary Magnet School (elementary), Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$409,900 runs 10% above the PALMETTO 34221 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $520/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
122 days on market against a Palmetto median of 56 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $436,000, now $409,900 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TIM LESTER INTERNAT'L REALTY · Tim Lester. MLS #A4688993.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New Palmetto homes, in your inbox
Like 10205 SAINT FRANCIS TERRACE but not quite? A daily digest of every new listing in Palmetto — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →